@article {1970271,
	title = {Can Undergraduate Students Make Optimal Decisions about Student Loans?},
	journal = {Journal of Economics and Finance Education},
	volume = {11},
	year = {2011},
	month = {2011},
	pages = {1-14},
	keywords = {Finance},
	author = {Chira,Inga and Chiang,E. and Houmes,R.}
}